Zero Enroll in New LA Plan on Obamacare’s First Day

national review ^ | October 2, 2013 | Andrew Johnson

[MeshugeMikey]

Louisiana’s top health-insurance provider said that not a single person enrolled in a new health-care plan offered through the Affordable Care Act on its first day.

[Dysart]

Over the next few months we’re all about to learn just how stupid and obedient the kids who voted for Obama are or are not.

[ridesthemiles]

People who are using free Obamaphones won’t pay $100 a month for health care.

[blueunicorn6]

The income tax was a means for the Democrats to take a slice of the working man’s WAGES. Obamacare is a means for the Democrats to take a slice of the working man’s BENEFITS. Welcome to the Democrat party.

[RockyTx]

so what are the prices being offered?
please be as specific as you can.

[Georgia Girl 2]

This is in line to be the worst legislativ flog in history similar to prohibition.

[USNBandit]

I would be more worried if a lot of people signed up, and then realized later what they signed up for isn't going to help much. The rates that I saw on the WA website are high. The premiums were about what I expected, but the deductibles are really high. I also don't think primary care visits are covered until the deductible is met, until you get to a gold plan. It looks like silver and bronze plans are castastrophic coverage with maternity coverage priced at comprehensive rates.

Any medically involved FReepers out there seeing the same thing? I have a medically involved child and when I look at ACA, I realize a loss of employer based benefits would crush me financially.

[USNBandit]

That’s good, because it is going to cost way more than $100.

[USNBandit]

Here you go from the state of Washington. Family of 5, ages 45,45,14,11,8.

Bronze $880 a month, deductible $5250 ind/$10500 family, max out of pocket $5250/$10500. You are paying everything until you get to your cap, but you are allowed an Health Savings Account.

Silver 1080 a month. Deductibles $2500/$5000, max out of pocket $4100/8200, you pay 20% after you meet the deductible. Still eligible for an HSA.

Gold 1335 a month (more than my mortgage, taxes and insurance on my last home) Deductibles $1500/3000, out of pocket $4500/$9000. Primary care $10 copay. No HSA.

In the bronze plan you are basically out of pocket unless you have a chronic problem or go to the hospital, then you are in for $16k for one person going in the hospital minus any premium subsidy.

In the silver plan you are paying an extra $2400 a year to have insurance pay for something if you are using more than $5k a year in medical. Might be better if you have kid that likes to go the emergency room, but doesn't get admitted.

The gold plan has a really high family cap and no HSA. Without digging into the plan it would be hard to figure out who this would be an advantage for.

Another question just popped into my head. If you are upper middle class and don't qualify for much or any subsidy, it looks pretty easy to spend over 10% on medical. Is that still tax deductible? I know they bumped the percentage up from 7.5%, but are the rules still the same with the 10% cutoff?

[RockyTx]

Bandit, thanks for posting.

Is birth-control coverage, lumped in with everything else,
or, does it start out ‘free’.

[USNBandit]

Not enough of the details are available on the state website. Don’t know about birth control.

[Steve Van Doorn]

yes, the bittorrent downloading of many software’s music and other things is amazing now. People use it like it was fine to get free stuff. Morality is just leaving us

[Lazamataz]

That was really funny. Too Laz-like, too. :)